Any other questions about health insurance? Here are the top 10 health insurance questions and answers:
1. What types of insurance are there?
There are two basic types of health plans - indemnity plans and managed healthcare plans. Indemnity plans do you have your own physician, while Managed Health Care Plans - HMO, PPO, and any sort - with a network of doctors and hospitals. Managed> Health care plans are less flexible, but much cheaper than indemnity plans.
2. What is an HMO?
With an HMO, you pay a monthly premium for which you are assigned in a network of doctors, specialists and hospitals to provide their medical care. A doctor will supervise your care and you only see doctors in your network. Recipes can be paid entirely or partially covered and generally require a collaboration in the amount of $ 5 to $ 10 This is the cheapestType of health insurance.
3. What is a PPO?
A PPO is similar to an HMO, but it does not, you can visit network doctors without a referral from your GP. You may need for the non-network doctors charge, then get some reimbursement from your PPO provider. Co-payments are typically $ 5 to $ 10, and this plan will cost a little more than an HMO.
4. What is a POS?
A POS plan is a combination of an HMO and POS plan. YouChoose a family doctor in your network, but you can also see doctors outside the network. If your doctor refers to an external doctor of your POS vendor pays the costs. This is the most flexible and the most expensive of the three Managed Health Care Plans.
5. What is a deductible?
A deductible is the amount you pay before a claim against the insurance company pays.
6. What's co-insurance?
Coinsuranceis the percentage of your medical costs that you have to pay after you pay your deductible.
7. What is a co-payment?
A co-payment is the amount to be paid by you when you visit a doctor.
8. How do I choose a health insurance?
Ideally, you should have a plan that will give you the level of benefits for the least amount chosen. If you continue your current doctor out to see what plans he or she is connectedwith. And if you need special medical care to ensure that the plan you choose, will provide for these needs.
Other things that are in choosing a health insurance company:
* What are the co-payments, deductibles and coinsurance?
* Does the plan cover pre-existing conditions?
* What is the waiting period for pre-existing conditions?
* If the insurance you give me a good service?
9. Where can I get cheap healthInsurance?
Insurance premiums vary widely from one company to another, allowing you to get quotes from different companies to get the best price.
The quickest way is to contact several companies to take an insurance comparison website. There you will find complete a short questionnaire, you will receive your offers. The best comparison sites only with A-rated insurance companies so you know you will always be a reputable company. They also have aInsurance experts on call to answer your questions. (See link below.)
10. How do I know I'm getting a reliable health insurance?
One of the best places to check out an insurance company is the state department of insurance website. You can also by JD Power & Associate site (jdpower.com) to obtain consumer credit ratings for insurers, and AM Best's Web site (ambest.com) maintain the financial ratings.
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